WO2016019532A1 - Interbank payment system and interbank payment method - Google Patents

Interbank payment system and interbank payment method Download PDF

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Publication number
WO2016019532A1
WO2016019532A1 PCT/CN2014/083829 CN2014083829W WO2016019532A1 WO 2016019532 A1 WO2016019532 A1 WO 2016019532A1 CN 2014083829 W CN2014083829 W CN 2014083829W WO 2016019532 A1 WO2016019532 A1 WO 2016019532A1
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WO
WIPO (PCT)
Prior art keywords
payment
account
information
bank
client
Prior art date
Application number
PCT/CN2014/083829
Other languages
French (fr)
Chinese (zh)
Inventor
张毅
Original Assignee
深圳市银信网银科技有限公司
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by 深圳市银信网银科技有限公司 filed Critical 深圳市银信网银科技有限公司
Priority to PCT/CN2014/083829 priority Critical patent/WO2016019532A1/en
Priority to CN201480003223.1A priority patent/CN104854604A/en
Priority to CA2993677A priority patent/CA2993677C/en
Publication of WO2016019532A1 publication Critical patent/WO2016019532A1/en

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/16—Payments settled via telecommunication systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/108—Remote banking, e.g. home banking
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/227—Payment schemes or models characterised in that multiple accounts are available, e.g. to the payer

Definitions

  • the present invention relates to the field of finance, and more particularly to an interbank payment system and an interbank payment method.
  • Online interbank payment is an agreement between banks (or between banks and non-bank clearing organizations).
  • the inter-bank clearing of payment instructions is transmitted or converted between multiple systems, and some processing links are required.
  • the commercial bank business personnel manually intervene, the business processing time is long, and the customer can not know the processing result of the payment service in time.
  • the People's Bank of China decided to build an online payment cross-bank clearing system.
  • the online payment cross-bank clearing system is the RMB interbank payment established by the People's Bank of China. Infrastructure is an important part of China's modern payment system.
  • the online payment cross-bank clearing system mainly supports online cross-line retail business processing, business instructions are sent one by one, real-time rolling Timed clearing. Customers can submit payment services online and get business results in real time.
  • the system supports commercial banks and non-financial payment service institutions approved by the People's Bank of China to access and provide customers with 7 x 24 hours service.
  • the technical problem to be solved by the present invention is that, in view of the above problems, the bank systems still have respective barriers and inconvenient payment between the prior art systems.
  • An interbank payment system and an interbank payment method are provided.
  • the technical solution adopted by the present invention to solve the technical problem thereof is: constructing on one hand An interbank payment method, which provides a client provided with user login information, an inter-bank payment server, and a plurality of card-issuing terminals disposed in a plurality of different issuers, the inter-bank payment method comprising the following steps:
  • the inter-bank payment server obtains corresponding account fund information from the plurality of card issuing terminals according to the bank account information.
  • the client sends a payment request including a payment service and a payment amount to the inter-bank payment server;
  • the inter-bank payment server detects, from the acquired plurality of account funds information, a plurality of account fund information matching the payment amount according to the payment request, and matches the plurality of account funds information Sent to the client;
  • the client selects one of the account fund information from the matched plurality of account fund information
  • the interbank payment server sends payment confirmation information to the card issuing end corresponding to the selected account fund information according to the account fund information selected by the client;
  • the card issuing end freezes the account funds corresponding to the bank account information according to the payment confirmation information, and thaws the account funds according to the payment service, thereby paying the account funds to a preset designated account.
  • the step S1 includes the following substeps:
  • the client logs in to the inter-bank payment server according to the user login information.
  • the client inputs a plurality of bank account information of a plurality of different issuers, and binds the bank account information to the user login information;
  • the step S3 includes the following substeps:
  • the preset designated account provides the payment service and the payment amount to the client by using the inter-bank payment server;
  • the client obtains, by the inter-bank payment server, the payment service provided by the specified account and the payment amount;
  • the client selects the payment service and the payment amount and forms the payment service and the payment amount into a payment request, and sends the payment request to the inter-bank payment server.
  • step S4 The account funds of the plurality of account funds information matching the payment service and the payment amount are all greater than or equal to the payment amount.
  • the step S7 includes the following substeps:
  • the card issuing end freezes account funds corresponding to the bank account information according to the payment confirmation information
  • the card issuing end confirms the payment service to the designated account according to the frozen account funds
  • the card issuing end thaws the account funds according to the payment service, thereby paying the account funds to a preset designated account.
  • the invention provides An interbank payment method, which provides a client provided with user login information, an inter-bank payment server, and a plurality of card-issuing terminals disposed in a plurality of different issuers, the inter-bank payment method comprising the following steps:
  • the client sends a payment request including a payment service and a payment amount to the inter-bank payment server;
  • the inter-bank payment server obtains corresponding account fund information from the plurality of card-issuing terminals according to the bank account information.
  • the inter-bank payment server detects, from the acquired plurality of account funds information, a plurality of account fund information matching the payment amount according to the payment request, and matches the plurality of account funds information Sent to the client;
  • the client selects one of the account fund information from the matched plurality of account fund information
  • the interbank payment server sends payment confirmation information to the card issuing end corresponding to the selected account fund information according to the account fund information selected by the client;
  • the card issuing end freezes the account funds corresponding to the bank account information according to the payment confirmation information, and thaws the account funds according to the payment service, thereby paying the account funds to a preset designated account.
  • An interbank payment method embodying the present invention has the following beneficial effects: since the interbank payment device has already performed data docking with each bank background, as long as the user enters the banking system at the initial setting to bind the account with the interbank payment device, subsequent To do any operation, you only need to enter the interbank payment device. You can select the personal account to operate the bank balances of each account, and realize all the bank data in the same tool without having to log in to each specific banking system to operate one by one. purpose. At the same time, the payer can pay the specified account and support a certain amount of money in advance without the recipient of the payment, so that the payer can find the receipt of the amount under the premise of planning a certain payment amount. Party.
  • the present invention provides an interbank payment system
  • the interbank payment system includes a client provided with user login information, an interbank payment server communicatively connected to the client, and a plurality of card issuers arranged in a plurality of different issuers
  • the card issuing end is in communication with the interbank payment server;
  • the client includes an input module, a request module, a selection module, and a payment module;
  • the input module is configured to input a plurality of bank account information of a plurality of different issuers, bind the bank account information to the user login information, and bind the bank account after the user login information is bound Information is sent to the interbank payment server;
  • the requesting module is configured to send a payment request including a payment service and a payment amount to the inter-bank payment server;
  • the selecting module is configured to select one of the account fund information from the matched plurality of account fund information
  • the payment module freezes the account funds corresponding to the bank account information according to the payment confirmation information, and thaws the account funds according to the payment service, thereby paying the account funds to a preset designated account;
  • the interbank payment server includes an acquisition module, a detection module, and a confirmation module;
  • the obtaining module is configured to obtain, according to the bank account information, a plurality of corresponding account fund information from the plurality of card issuing terminals;
  • the detecting module is configured to detect, according to the payment request, a plurality of account fund information matching the payment amount from the acquired plurality of account fund information, and match the plurality of account funds information Sent to the client;
  • the confirmation module is configured to send payment confirmation information to the card issuing end corresponding to the selected account fund information according to the account fund information selected by the client;
  • the client further includes a login module, and the login module is configured to log in to the inter-bank payment server according to the user login information.
  • the preset designated account is used to provide the payment service and the payment amount through the interbank payment server;
  • the payment module is further configured to confirm the payment service to the designated account according to the frozen account funds.
  • the account funds of the plurality of account funds information matching the payment service and the payment amount are greater than or equal to the payment amount.
  • An interbank payment system embodying the present invention has the following beneficial effects: since the interbank payment device has already performed data docking with each bank backend, as long as the user enters the banking system at the initial setting to bind the account to the interbank payment device, subsequent To do any operation, you only need to enter the interbank payment device. You can select the personal account to operate the bank balances of each account, and realize all the bank data in the same tool without having to log in to each specific banking system to operate one by one. purpose. At the same time, the payer can pay the specified account and support a certain amount of money in advance without the recipient of the payment, so that the payer can find the receipt of the amount under the premise of planning a certain payment amount. Party.
  • FIG. 1 is a schematic structural diagram of an interbank payment system provided by the present invention.
  • FIG. 2 is a flow chart of a method for an interbank payment method provided by the present invention.
  • FIG. 3 is a flow chart of binding client bank account information provided by the present invention.
  • FIG. 4 is a flow chart of a payment request sent by a client provided by the present invention.
  • FIG. 5 is a flow chart of the card issuing end freezing funds provided by the present invention.
  • the invention provides an interbank payment system and an interbank payment method, which are established
  • the inter-bank payment server and the bank back-end data are connected, that is, the inter-bank payment server is connected to the card-issuing end, as long as the payer (ie, the client) enters the banking system at the initial setting, binds the account to the inter-bank payment server, and binds the individual.
  • the payer ie, the client
  • any subsequent operations only need to enter the inter-bank payment server, and select the personal account to perform the operation on the bank balances that have the respective accounts, thereby realizing the operation of all the bank data in the same tool.
  • the payer can pay the specified account (such as the designated account), and support a certain amount of money in advance without the recipient of the payment, so that the payer can find a certain amount of payment for himself. The payee who receives this amount.
  • FIG. 1 is a schematic structural diagram of an interbank payment system provided by the present invention.
  • the present invention provides An interbank payment system includes a client 1 provided with user login information, an interbank payment server 2 connected to the client 1 , and a plurality of card issuers disposed in a plurality of different issuers 3
  • the card issuing end 3 is in communication with the interbank payment server 2.
  • the client can be a mobile terminal or a fixed computer device, and the client can implement the inter-bank payment server by installing corresponding software on the mobile terminal or the computer device. Communication, if it is a mobile terminal, can be connected to the inter-bank payment server 2 via a wireless network.
  • Card issuing end 3 Installed in the bank back-end server and connected to the inter-bank payment server 2 via the Internet, the account funds data can be read, but there is no flow of funds between the inter-bank payment server 2 and the card-issuing end.
  • the client 1 Entering bank account information of a plurality of bank cards of different issuers, binding the bank account information with the user login information, and transmitting the bank account information bound to the user login information to The interbank payment server 2; the inter-bank payment server 2 obtains corresponding account fund information from the plurality of card-issuing terminals 3 according to the bank account information; for example, Zhang San landing inter-bank payment server 2 After that, enter the construction bank card number and login password, China Merchants Bank card number and login password, ICBC card number and login password, as shown in the following table:
  • the user login information refers to logging in to the inter-bank payment server through the client 1
  • User login information for the user through which the user login information can be used on the interbank payment server 2 Enter the bank card number and password of different banks, different account holders, and bind the entered bank account information with the user login information.
  • the user of 'Zhang San' can operate the fund accounts of multiple bank cards.
  • Zhang San binds his bank card to his account, and also binds Li Si’s bank card.
  • Zhang San logs in his account in the inter-bank payment server, he can not only operate the bound account.
  • the account funds of your own bank card can also operate the account funds of the bundled Li Si bank card.
  • the user passes the client 1 Sending a payment request including a preset payment service and a payment amount to the interbank payment server 2; the interbank payment server 2 And detecting, according to the payment request, account fund information matching the payment amount from the obtained plurality of account fund information, and transmitting the matched account fund information to the client 1; Client 1 Selecting one of the account fund information from the matched account fund information; the interbank payment server 2 is based on the client 1
  • the selected account fund information sends a payment confirmation message to the card issuing end 3 corresponding to the selected account fund information; the card issuing end 3
  • the account funds corresponding to the bank account information are frozen according to the payment confirmation information.
  • Inter-bank payment server For example: User enters inter-bank payment server through client 1 2 , select a personal account to operate the bank balances of each account, operate all bank data in the same tool, the payer can also pay for the specified account (such as the designated account), and can also receive the recipient Under the premise of paying a certain amount of money in advance. For example, the user has to pay the utility bill, but the utility bill is paid on time every month. It can't be paid at any time, then the user can use the interbank payment server. 2 Advance the part of the utility bill in advance, and wait until the date of payment is confirmed. The receiving account, that is, the designated account, automatically sends the part of the utility bill to the receiving account.
  • the client 1 includes an input module 11 , a request module 12 , a selection module 13 , and a payment module 14 .
  • the input module 12 And inputting a plurality of bank account information of the plurality of different issuers, binding the bank account information with the user login information, and transmitting the bank account information bound to the user login information to the office Inter-bank payment server 2
  • the requesting module 12 is configured to issue a payment request including a payment service and a payment amount to the inter-bank payment server 2;
  • the selection module 13 For selecting one of the account fund information from the matched plurality of account fund information;
  • the payment module 14 And freezing the account funds corresponding to the bank account information according to the payment confirmation information, and thawing the account funds according to the payment service, thereby paying the account funds to the preset designated account;
  • the inter-bank payment server 2 includes an obtaining module 21, a detecting module 22, and a confirming module 23; the obtaining module 21 And configured to obtain, according to the bank account information, a plurality of corresponding account fund information from the plurality of card issuing terminals 3; the detecting module 22 And configured to detect, according to the payment request, a plurality of account fund information matching the payment amount from the acquired plurality of account fund information, and send the matched plurality of account fund information to the Client 1
  • the confirmation module 23 is configured to send payment confirmation information to the card issuing end 3 corresponding to the selected account fund information according to the account fund information selected by the client 1;
  • the client 1 further includes a login module 15 , and the login module 15 And configured to log in to the inter-bank payment server 2 according to the user login information.
  • the preset designated account is used to provide the payment service and the payment amount through the interbank payment server 2; the payment module 14 Also used to confirm the payment service to the designated account in accordance with the frozen account funds.
  • the funding freeze does not mean that the new shares are purchased. At that time, the funds required for the purchase of new shares will be frozen. After verification, as a proof of effective purchase, the funds cannot be used for other purposes within a few working days. After the purchase is completed, the funds will be thawed. However, the funds will not be misappropriated until the payment service is completed, and the funds can be transferred to the designated account.
  • 'fund freezing' can be explained as: temporary loss of use rights, but ownership, benefit rights (interests, property certificates, capital verification).
  • the client 1 is further configured to connect to the inter-bank payment server according to the user login information.
  • the user can directly log in to the inter-bank payment server 2 according to the user login information without any other cumbersome login information.
  • the designated account it is also possible to log a preset, preset designated account to the interbank payment server 2 To provide the payment service and the payment amount.
  • the card issuing end 3 And freezing the account funds corresponding to the bank account information according to the payment confirmation information, notifying the designated account to provide the payment service according to the frozen account funds, and paying the preset designated account after thawing the account fund period The account funds.
  • the commodity should include the payment method of the merchant or the seller, the amount of the commodity, and the like, and the user can initiate a payment request according to the payment method and the amount of the commodity.
  • the card is issued 3
  • the account funds are frozen.
  • the preset merchants and sellers can also see the status.
  • the preset merchants and sellers provide corresponding payment services: delivery or other services, and the user receives After the goods are received or received, the frozen funds are sent to the accounts of the preset merchants and sellers.
  • the account fund information matching the payment service and the payment amount is that the account fund in the account fund information is greater than or equal to the payment amount.
  • an interbank payment server automatically filters bank cards whose account funds are greater than the payment amount for the user to choose to pay. In this way, the user can conveniently find the bank card that meets the payment requirement through the interbank payment server provided by the present invention, without having to log in to different bank websites one by one to search.
  • FIG. 2 is a flow chart of a method for an interbank payment method provided by the present invention. As shown in FIG. 2, the present invention provides An interbank payment method includes the following steps:
  • the inter-bank payment server 2 according to the bank account information, from the plurality of card-issuing terminals 3 Obtain corresponding account information of multiple accounts; by binding the bank account information and user login information, log in to the personal account of the interbank payment server to operate the bank balances of each account.
  • the client 1 issues a payment request including a payment service and a payment amount to the inter-bank payment server 2
  • the payment request should also include the payment requirements satisfied by the issuing bank, that is, the business involved in the payment request should be within the scope supported by the issuing bank, such as cross-border transfer, which requires the bank card to have cross-border payment or transfer function.
  • steps S1 and S3 can be executed side by side.
  • the interbank payment server 2 And detecting, according to the payment request, account fund information matching the payment amount from the acquired plurality of account fund information, and transmitting the matched account fund information to the client 1 And the account fund information matching the payment service and the payment amount is that the account fund in the account fund information is greater than or equal to the payment amount .
  • the user Zhang San is required to pay the utility bill.
  • the utility bill is the monthly utility fee for the previous month.
  • the monthly utility bill and account balance are as follows:
  • the client 1 One of the account fund information is selected from the matched account fund information; for example, Zhang San selects the bank card of the construction bank as the bank card for paying the utility bill.
  • the selected account fund information sends payment confirmation information to the card issuing end 3 corresponding to the selected account fund information; for example, after selecting the bank card, the payment confirmation information is sent to the card issuing end corresponding to the construction bank 3 .
  • the card issuing end 3 freezes the account funds corresponding to the bank account information according to the payment confirmation information. Card issuing end 3 After the funds are frozen, the payment service is started. After the payment service is completed, the funds are released and the funds are transferred to the designated account.
  • FIG. 3 is a flowchart of the client binding bank account information provided by the present invention, as shown in FIG. 3, the step S1 Includes the following substeps:
  • the client 1 logs in to the interbank payment server according to the user login information.
  • the user login information can be used as the login credentials for logging in to the interbank payment server 2, and a login password can be added to log in to the interbank payment server 2 .
  • the combination of user login information and login password can improve the security of the account.
  • the client 1 Entering bank account information of a plurality of bank cards of different issuers in the login state, and binding the bank account information with the user login information; in the login environment, inputting a bank with multiple bank cards
  • the account information is automatically bound to the user login information.
  • step S3 is a flow chart of a payment request sent by a client provided by the present invention, as shown in FIG. 4, the step S3 Includes the following substeps:
  • the preset designated account is logged in to the inter-bank payment server. 2
  • the designated account is a commodity seller collection account
  • the commodity seller publishes its own payment service and the payment amount by logging in to the interbank payment server
  • the payment service includes the attribute information of the commodity
  • the seller collects the payment. Account number, etc.
  • the client 1 from the interbank payment server 2 Obtaining the payment service provided by the designated account and the payment amount; the payment service and the payment amount can be viewed from the client 1 by specifying the payment service provided by the account and the payment amount.
  • the client 1 The payment service and the payment amount are selected and the selected payment service and the payment amount are combined into a payment request, and the payment request is sent to the inter-bank payment server 2.
  • FIG. 5 is a flowchart of the method for freezing funds at the card issuing end provided by the present invention.
  • the interbank payment method provided by the present invention further includes:
  • the card issuing end 3 And freezing the account funds corresponding to the bank account information according to the payment confirmation information; for example, after the card issuing end 3 receives the payment confirmation information of the Zhang San, the card funds in the payment confirmation information are frozen, and the payment confirmation information is the confirmation payment. For 600 yuan, the amount of 600 yuan in the account will be frozen.
  • the card issuing end 3 Providing the payment service according to the frozen account fund notification; for example, after the card is frozen, sending the short message or sending a notification message to the designated account via the Internet, after the designated account receives the notification information, Provide the payment service, for example, The 600 yuan item is delivered to the user holding the client 1 by courier.
  • the card issuing end 3 pays the account fund to the designated account after thawing the account fund period. For example, the user is receiving the After the $600 item is received by the client 1 on the interbank payment server 2 to confirm receipt of the payment service, then the interbank payment server 2 notifies the card issuer 3 The funds are thawed during the freezing of the account funds and the account funds are paid to the designated account.
  • the beneficial effect of implementing the invention is that the user enters the banking system at the initial setting to bind the account with the interbank payment device, and any subsequent operation only needs to enter the interbank payment device, and the personal account can be used to balance the bank balance of each account.
  • the operation is performed to realize the operation of all bank data in the same tool without having to log in to each specific banking system for one-by-one operation.
  • the payer can pay the specified account and support a certain amount of money in advance without the recipient of the payment, so that the payer can find the receipt of the amount under the premise of planning a certain payment amount. Party.

Abstract

Disclosed are an interbank payment system and an interbank payment method, the interbank payment method comprising: S1: bank account information is inputted and bound to user login information; S2: an interbank payment server obtains corresponding account funds information; S3: a client issues a payment request; S4: the interbank payment server detects a plurality of pieces of matching account funds information; S5: the client selects one piece of account funds information from the plurality of pieces of matching account funds information; S6: the interbank payment server sends payment confirmation information; S7: an issuing terminal freezes account funds and unfreezes the account funds, thereby paying the account funds. The advantageous effects of the present invention are that a payment function manipulating all banking data within a same tool is provided and it is not necessary to log in to each specific bank system for individual operations.

Description

一种跨行付款系统及一种跨行付款方法  Interbank payment system and an interbank payment method 技术领域 Technical field
本发明涉及金融领域，尤其涉及 一种跨行付款系统及一种跨行付款方法 。  The present invention relates to the field of finance, and more particularly to an interbank payment system and an interbank payment method.
背景技术 Background technique
网上跨行支付属于银行间（或银行与非银行清算组织间）的协议行为，当收付款人不在同一家银行开户时，支付指令的跨行清算通过多个系统间传输或转换，有些处理环节还需商业银行业务人员手工干预，业务处理时间较长，客户也不能及时了解支付业务的处理结果。为提高网上支付的跨行清算效率，提升商业银行网银服务水平，更好地履行中央银行的支付清算职责，人民银行决定建设网上支付跨行清算系统。 Online interbank payment is an agreement between banks (or between banks and non-bank clearing organizations). When the payee does not open an account with the same bank, the inter-bank clearing of payment instructions is transmitted or converted between multiple systems, and some processing links are required. The commercial bank business personnel manually intervene, the business processing time is long, and the customer can not know the processing result of the payment service in time. In order to improve the cross-line clearing efficiency of online payment, improve the online banking service level of commercial banks, and better fulfill the central bank's payment and clearing duties, the People's Bank of China decided to build an online payment cross-bank clearing system.
网上支付跨行清算系统是 中国人民银行 建设的人民币跨行支付 清算 基础设施，是中国现代化支付系统的重要组成部分。网上支付跨行清算系统主要支持网上跨行 零售 业务的处理，业务指令逐笔发送、实时 轧差 、定时清算。客户可通过在线方式提交支付业务，并可实时获取业务处理结果。系统支持 商业银行 以及经中国人民银行批准的非金融支付服务机构接入，并向客户提供 7×24 小时全天候服务。 The online payment cross-bank clearing system is the RMB interbank payment established by the People's Bank of China. Infrastructure is an important part of China's modern payment system. The online payment cross-bank clearing system mainly supports online cross-line retail business processing, business instructions are sent one by one, real-time rolling Timed clearing. Customers can submit payment services online and get business results in real time. The system supports commercial banks and non-financial payment service institutions approved by the People's Bank of China to access and provide customers with 7 x 24 hours service.
由此可知，现有付款实现方式已经给用户提供了良好的付款体验，并且正在逐步变得更快捷方便，但各银行系统之间仍然有各自的壁垒，付款者如果在不同银行拥有账户，需要登陆不同银行系统进行付款操作。 It can be seen that the existing payment implementation has provided users with a good payment experience, and is gradually becoming faster and more convenient, but there are still barriers between the various banking systems. If the payer has an account in a different bank, it needs to Log in to different banking systems for payment operations.
发明内容 Summary of the invention
本发明要解决的技术问题在于，针对上述现有技术中各银行系统之间仍然有各自的壁垒、不方便付款的问题，提供 一种跨行付款系统及一种跨行付款方法 。 The technical problem to be solved by the present invention is that, in view of the above problems, the bank systems still have respective barriers and inconvenient payment between the prior art systems. An interbank payment system and an interbank payment method.
本发明解决其技术问题所采用的技术方案是：一方面构造 一种跨行付款方法，提供设置有用户登录信息的客户端、跨行付款服务器、以及设置于多个不同发卡行中的多个发卡端，所述跨行付款方法包括以下步骤： The technical solution adopted by the present invention to solve the technical problem thereof is: constructing on one hand An interbank payment method, which provides a client provided with user login information, an inter-bank payment server, and a plurality of card-issuing terminals disposed in a plurality of different issuers, the inter-bank payment method comprising the following steps:
S1 、从 所述客户端中输入多个不同发卡行的多个银行账户信息，将所述银行账户信息与所述用户登录信息绑定，并将与所述用户登录信息绑定后的所述银行账户信息发送至所述跨行付款服务器； S1, from Entering, in the client, a plurality of bank account information of a plurality of different card issuers, binding the bank account information with the user login information, and binding the bank account information after the user login information is bound Sent to the interbank payment server;
S2 、所述跨行付款服务器依据所述银行账户信息从所述多个发卡端获取对应的多个账户资金信息； S2. The inter-bank payment server obtains corresponding account fund information from the plurality of card issuing terminals according to the bank account information.
S3 、所述客户端发出包括付款业务以及付款金额的付款请求至所述跨行付款服务器； S3, the client sends a payment request including a payment service and a payment amount to the inter-bank payment server;
S4 、所述跨行付款服务器依据所述付款请求从所获取的所述多个账户资金信息中检测与所述付款金额相匹配的多个账户资金信息，并将所述相匹配的多个账户资金信息发送至所述客户端； S4 And the inter-bank payment server detects, from the acquired plurality of account funds information, a plurality of account fund information matching the payment amount according to the payment request, and matches the plurality of account funds information Sent to the client;
S5 、所述客户端从所述相匹配的多个账户资金信息中选取其中一个账户资金信息； S5. The client selects one of the account fund information from the matched plurality of account fund information;
S6 、所述跨行付款服务器依据所述客户端所选取的账户资金信息发送支付确认信息至与所选取的账户资金信息对应的发卡端； S6 The interbank payment server sends payment confirmation information to the card issuing end corresponding to the selected account fund information according to the account fund information selected by the client;
S7 、所述发卡端依据所述支付确认信息冻结与所述银行账户信息对应的账户资金，并依据所述付款业务解冻所述账户资金，从而向预设的指定账户支付所述账户资金。 S7 And the card issuing end freezes the account funds corresponding to the bank account information according to the payment confirmation information, and thaws the account funds according to the payment service, thereby paying the account funds to a preset designated account.
在本发明 所述的 跨行付款方法 中，所述步骤 S1 包括以下子步骤： In the interbank payment method of the present invention, the step S1 includes the following substeps:
S11 、所述客户端依据所述用户登录信息登录所述跨行付款服务器； S11. The client logs in to the inter-bank payment server according to the user login information.
S12 、所述客户端输入多个不同发卡行的多个银行账户信息，并将所述银行账户信息与所述用户登录信息绑定； S12 The client inputs a plurality of bank account information of a plurality of different issuers, and binds the bank account information to the user login information;
S13 、将与所述用户登录信息绑定后的所述银行账户信息发送至所述跨行付款服务器。 S13. Send the bank account information that is bound to the user login information to the inter-bank payment server.
在本发明 所述的 跨行付款方法 中，所述步骤 S3 包括以下子步骤： In the interbank payment method of the present invention, the step S3 includes the following substeps:
S31 、所述预设的指定账户通过所述跨行付款服务器向所述客户端提供所述付款业务以及所述付款金额； S31. The preset designated account provides the payment service and the payment amount to the client by using the inter-bank payment server;
S32 、所述客户端从所述跨行付款服务器获取所述指定账户提供的所述付款业务以及所述付款金额； S32. The client obtains, by the inter-bank payment server, the payment service provided by the specified account and the payment amount;
S33 、所述客户端选择所述付款业务以及所述付款金额并将所选择的所述付款业务以及所述付款金额组成付款请求，将所述付款请求发送至所述跨行付款服务器。 S33 And the client selects the payment service and the payment amount and forms the payment service and the payment amount into a payment request, and sends the payment request to the inter-bank payment server.
在本发明 所述的 跨行付款方法 中， 所述步骤 S4 中， 与所述付款业务以及付款金额相匹配的多个账户资金信息的账户资金均大于或等于所述付款金额 。 In the interbank payment method of the present invention, in the step S4, The account funds of the plurality of account funds information matching the payment service and the payment amount are all greater than or equal to the payment amount.
在本发明 所述的 跨行付款方法 中，所述步骤 S7 包括以下子步骤： In the interbank payment method of the present invention, the step S7 includes the following substeps:
S71 、所述发卡端依据所述支付确认信息冻结与所述银行账户信息对应的账户资金； S71. The card issuing end freezes account funds corresponding to the bank account information according to the payment confirmation information;
S72 、所述发卡端依据所冻结的账户资金向所述指定账户确认所述付款业务； S72. The card issuing end confirms the payment service to the designated account according to the frozen account funds;
S73 、所述发卡端依据所述付款业务解冻所述账户资金，从而向预设的指定账户支付所述账户资金。 S73. The card issuing end thaws the account funds according to the payment service, thereby paying the account funds to a preset designated account.
另一方面，本发明提供 一种跨行付款方法，提供设置有用户登录信息的客户端、跨行付款服务器、以及设置于多个不同发卡行中的多个发卡端，所述跨行付款方法包括以下步骤： In another aspect, the invention provides An interbank payment method, which provides a client provided with user login information, an inter-bank payment server, and a plurality of card-issuing terminals disposed in a plurality of different issuers, the inter-bank payment method comprising the following steps:
S1 、 所述客户端发出包括付款业务以及付款金额的付款请求至所述跨行付款服务器； S1, the client sends a payment request including a payment service and a payment amount to the inter-bank payment server;
S2 、 从 所述客户端中输入多个不同发卡行的多个银行账户信息，将所述银行账户信息与所述用户登录信息绑定，并将与所述用户登录信息绑定后的所述银行账户信息发送至所述跨行付款服务器； S2, from Entering, in the client, a plurality of bank account information of a plurality of different card issuers, binding the bank account information with the user login information, and binding the bank account information after the user login information is bound Sent to the interbank payment server;
S3 、所述跨行付款服务器依据所述银行账户信息从所述多个发卡端获取对应的多个账户资金信息； S3. The inter-bank payment server obtains corresponding account fund information from the plurality of card-issuing terminals according to the bank account information.
S4 、所述跨行付款服务器依据所述付款请求从所获取的所述多个账户资金信息中检测与所述付款金额相匹配的多个账户资金信息，并将所述相匹配的多个账户资金信息发送至所述客户端； S4 And the inter-bank payment server detects, from the acquired plurality of account funds information, a plurality of account fund information matching the payment amount according to the payment request, and matches the plurality of account funds information Sent to the client;
S5 、所述客户端从所述相匹配的多个账户资金信息中选取其中一个账户资金信息； S5. The client selects one of the account fund information from the matched plurality of account fund information;
S6 、所述跨行付款服务器依据所述客户端所选取的账户资金信息发送支付确认信息至与所选取的账户资金信息对应的发卡端； S6 The interbank payment server sends payment confirmation information to the card issuing end corresponding to the selected account fund information according to the account fund information selected by the client;
S7 、所述发卡端依据所述支付确认信息冻结与所述银行账户信息对应的账户资金，并依据所述付款业务解冻所述账户资金，从而向预设的指定账户支付所述账户资金。 S7 And the card issuing end freezes the account funds corresponding to the bank account information according to the payment confirmation information, and thaws the account funds according to the payment service, thereby paying the account funds to a preset designated account.
实施本发明的一种跨行付款方法，具有以下有益效果：由于跨行付款器已经与各家银行后台进行了数据对接，只要用户在初始设置时进入银行系统把账号与跨行付款器绑定后，后续做任何操作只需要进入跨行付款器，选择个人账户即可对各家拥有账号的银行余额进行操作执行，实现了在同一个工具内操作所有银行数据而无须登陆每个特定银行系统去逐一操作的目的。同时，付款者既可以对指定账户付出款项，又支持在没有款项接收者的前提下预先付出一定金额的款项，这样就可以使付款者在自身计划一定付款额度的前提下寻找接收此金额的收款方。 An interbank payment method embodying the present invention has the following beneficial effects: since the interbank payment device has already performed data docking with each bank background, as long as the user enters the banking system at the initial setting to bind the account with the interbank payment device, subsequent To do any operation, you only need to enter the interbank payment device. You can select the personal account to operate the bank balances of each account, and realize all the bank data in the same tool without having to log in to each specific banking system to operate one by one. purpose. At the same time, the payer can pay the specified account and support a certain amount of money in advance without the recipient of the payment, so that the payer can find the receipt of the amount under the premise of planning a certain payment amount. Party.
再一方面，本发明提供 一种跨行付款系统 ，所述 跨行付款系统包括设置有用户登录信息的客户端、与所述客户端通讯连接的跨行付款服务器、以及设置于多个不同发卡行中的多个发卡端 ；所述发卡端与所述跨行付款服务器通讯连接； In still another aspect, the present invention provides an interbank payment system, The interbank payment system includes a client provided with user login information, an interbank payment server communicatively connected to the client, and a plurality of card issuers arranged in a plurality of different issuers The card issuing end is in communication with the interbank payment server;
所述客户端包括输入模块、请求模块、选取模块、付款模块； The client includes an input module, a request module, a selection module, and a payment module;
所述输入模块用于输入多个不同发卡行的多个银行账户信息，将所述银行账户信息与所述用户登录信息绑定，并将与所述用户登录信息绑定后的所述银行账户信息发送至所述跨行付款服务器； The input module is configured to input a plurality of bank account information of a plurality of different issuers, bind the bank account information to the user login information, and bind the bank account after the user login information is bound Information is sent to the interbank payment server;
所述请求模块用于发出包括付款业务以及付款金额的付款请求至所述跨行付款服务器； The requesting module is configured to send a payment request including a payment service and a payment amount to the inter-bank payment server;
所述选取模块用于从相匹配的多个账户资金信息中选取其中一个账户资金信息； The selecting module is configured to select one of the account fund information from the matched plurality of account fund information;
所述付款模块依据支付确认信息冻结与所述银行账户信息对应的账户资金，并依据所述付款业务解冻所述账户资金，从而向预设的指定账户支付所述账户资金； The payment module freezes the account funds corresponding to the bank account information according to the payment confirmation information, and thaws the account funds according to the payment service, thereby paying the account funds to a preset designated account;
所述跨行付款服务器包括获取模块、检测模块、确认模块； The interbank payment server includes an acquisition module, a detection module, and a confirmation module;
所述获取模块用于依据所述银行账户信息从所述多个发卡端获取对应的多个账户资金信息； The obtaining module is configured to obtain, according to the bank account information, a plurality of corresponding account fund information from the plurality of card issuing terminals;
所述检测模块用于依据所述付款请求从所获取的所述多个账户资金信息中检测与所述付款金额相匹配的多个账户资金信息，并将所述相匹配的多个账户资金信息发送至所述客户端； The detecting module is configured to detect, according to the payment request, a plurality of account fund information matching the payment amount from the acquired plurality of account fund information, and match the plurality of account funds information Sent to the client;
所述确认模块用于依据所述客户端所选取的账户资金信息发送支付确认信息至与所选取的账户资金信息对应的发卡端； The confirmation module is configured to send payment confirmation information to the card issuing end corresponding to the selected account fund information according to the account fund information selected by the client;
在本发明所述的跨行付款系统中，所述客户端还包括登录模块，所述登录模块用于依据所述用户登录信息登陆至所述跨行付款服务器。 In the interbank payment system of the present invention, the client further includes a login module, and the login module is configured to log in to the inter-bank payment server according to the user login information.
在本发明所述的跨行付款系统中，所述预设的指定账户用于通过所述跨行付款服务器提供所述付款业务以及所述付款金额； In the interbank payment system of the present invention, the preset designated account is used to provide the payment service and the payment amount through the interbank payment server;
所述付款模块还用于依据所冻结的账户资金向所述指定账户确认所述付款业务。 The payment module is further configured to confirm the payment service to the designated account according to the frozen account funds.
在本发明所述的跨行付款系统中，与所述付款业务以及付款金额相匹配的多个账户资金信息的账户资金均大于或等于所述付款金额 。 In the interbank payment system of the present invention, the account funds of the plurality of account funds information matching the payment service and the payment amount are greater than or equal to the payment amount.
实施本发明的一种跨行付款系统，具有以下有益效果：由于跨行付款器已经与各家银行后台进行了数据对接，只要用户在初始设置时进入银行系统把账号与跨行付款器绑定后，后续做任何操作只需要进入跨行付款器，选择个人账户即可对各家拥有账号的银行余额进行操作执行，实现了在同一个工具内操作所有银行数据而无须登陆每个特定银行系统去逐一操作的目的。同时，付款者既可以对指定账户付出款项，又支持在没有款项接收者的前提下预先付出一定金额的款项，这样就可以使付款者在自身计划一定付款额度的前提下寻找接收此金额的收款方。 An interbank payment system embodying the present invention has the following beneficial effects: since the interbank payment device has already performed data docking with each bank backend, as long as the user enters the banking system at the initial setting to bind the account to the interbank payment device, subsequent To do any operation, you only need to enter the interbank payment device. You can select the personal account to operate the bank balances of each account, and realize all the bank data in the same tool without having to log in to each specific banking system to operate one by one. purpose. At the same time, the payer can pay the specified account and support a certain amount of money in advance without the recipient of the payment, so that the payer can find the receipt of the amount under the premise of planning a certain payment amount. Party.
附图说明 DRAWINGS
图 1 为本发明提供的 一种跨行付款系统的结构 示意图； 1 is a schematic structural diagram of an interbank payment system provided by the present invention;
图 2 为本发明提供的 一种跨行付款方法 的 方法流程 图； 2 is a flow chart of a method for an interbank payment method provided by the present invention;
图 3 为 本发明提供的 客户端绑定银行账户信息的流程图； 3 is a flow chart of binding client bank account information provided by the present invention;
图 4 为 本发明提供的 客户端发出付款请求的流程图 ； 4 is a flow chart of a payment request sent by a client provided by the present invention;
图 5 为本发明提供的发卡端冻结资金的流程图 。 FIG. 5 is a flow chart of the card issuing end freezing funds provided by the present invention.
具体实施方式 detailed description
为了对本发明的技术特征、目的和效果有更加清楚的理解，现对照附图详细说明本发明的具体实施方式。 For a better understanding of the technical features, objects and effects of the present invention, the embodiments of the present invention are described in detail with reference to the accompanying drawings.
本发明提供了 一种跨行付款系统及一种跨行付款方法 ，通过建立 跨行付款服务器与各家银行后台进行数据对接，即跨行付款服务器连接至发卡端，只要付款者（即客户端）在初始设置时进入银行系统把账号与跨行付款服务器绑定后，并绑定个人于跨行付款服务器的用户登录信息，后续做任何操作只需要进入跨行付款服务器，选择个人账户即可对已拥有各家账号的银行余额进行操作执行，实现了在同一个工具内操作所有银行数据而无须登陆每个特定银行系统去逐一操作的目的。同时，付款者既可以对指定账户（如指定账户）付出款项，又支持在没有款项接收者的前提下预先付出一定金额的款项，这样就可以使付款者在自身计划一定付款额度的前提下寻找接收此金额的收款方。 The invention provides an interbank payment system and an interbank payment method, which are established The inter-bank payment server and the bank back-end data are connected, that is, the inter-bank payment server is connected to the card-issuing end, as long as the payer (ie, the client) enters the banking system at the initial setting, binds the account to the inter-bank payment server, and binds the individual. For the user login information of the inter-bank payment server, any subsequent operations only need to enter the inter-bank payment server, and select the personal account to perform the operation on the bank balances that have the respective accounts, thereby realizing the operation of all the bank data in the same tool. There is no need to log in to each specific banking system for the purpose of operation one by one. At the same time, the payer can pay the specified account (such as the designated account), and support a certain amount of money in advance without the recipient of the payment, so that the payer can find a certain amount of payment for himself. The payee who receives this amount.
图 1 为本发明提供的 一种跨行付款系统的结构 示意图，如图 1 所示，本发明提供 一种跨行付款系统包括设置有用户登录信息的客户端 1 、与所述客户端 1 通讯连接的跨行付款服务器 2 、以及设置于多个不同发卡行中的多个发卡端 3 ；所述发卡端 3 与所述跨行付款服务器 2 通讯连接。其中，如图 1 所示，客户端可以是移动终端，也可以是固定的计算机设备，客户端可以通过在上述移动终端或者计算机设备安装相应的软件以实现与跨行付款服务器 2 通讯，如果是移动终端，那么可以通过无线网络连接至跨行付款服务器 2 连接，如果是固定的计算机设备，可以通过互联网连接至跨行付款服务器 2 。发卡端 3 安装于银行后台服务器中并与跨行付款服务器 2 通过互联网连接，可以读取账户资金数据，但跨行付款服务器 2 与发卡端之间并不产生资金流动。 1 is a schematic structural diagram of an interbank payment system provided by the present invention. As shown in FIG. 1, the present invention provides An interbank payment system includes a client 1 provided with user login information, an interbank payment server 2 connected to the client 1 , and a plurality of card issuers disposed in a plurality of different issuers 3 The card issuing end 3 is in communication with the interbank payment server 2. Among them, as shown in Figure 1 As shown, the client can be a mobile terminal or a fixed computer device, and the client can implement the inter-bank payment server by installing corresponding software on the mobile terminal or the computer device. Communication, if it is a mobile terminal, can be connected to the inter-bank payment server 2 via a wireless network. If it is a fixed computer device, it can be connected to the inter-bank payment server via the Internet 2 . Card issuing end 3 Installed in the bank back-end server and connected to the inter-bank payment server 2 via the Internet, the account funds data can be read, but there is no flow of funds between the inter-bank payment server 2 and the card-issuing end.
所述客户端 1 输入多个不同发卡行的多张银行卡的银行账户信息，将所述银行账户信息与所述用户登录信息绑定，并将与所述用户登录信息绑定后的所述银行账户信息发送至所述跨行付款服务器 2 ；所述跨行付款服务器 2 依据所述银行账户信息从所述多个发卡端 3 获取对应的多个账户资金信息；例如，张三登陆跨行付款服务器 2 后，输入建设银行卡号与登陆密码、招商银行卡号与登陆密码、工商银行卡号与登陆密码，如下表： The client 1 Entering bank account information of a plurality of bank cards of different issuers, binding the bank account information with the user login information, and transmitting the bank account information bound to the user login information to The interbank payment server 2; the inter-bank payment server 2 obtains corresponding account fund information from the plurality of card-issuing terminals 3 according to the bank account information; for example, Zhang San landing inter-bank payment server 2 After that, enter the construction bank card number and login password, China Merchants Bank card number and login password, ICBC card number and login password, as shown in the following table:
用户登录信息 User login information 开户人 Account holder 发卡行 Issuer 银行卡号 Bank card number 登陆密码 login password
张三 Zhang San 张三 Zhang San 建设银行 Construction bank XXXX XXXX ****** ******
张三 Zhang San 张三 Zhang San 招商银行 China Merchants Bank XXXX XXXX ****** ******
张三 Zhang San 李四 Li Si 工商银行 ICBC XXXX XXXX ****** ******
其中，用户登录信息是指通过客户端 1 登陆跨行付款服务器 2 的用户的用户登录信息，通过该用户登录信息用户可以在跨行付款服务器 2 输入不同银行，不同开户人的银行卡号及密码，并将所输入的银行账户信息与用户登录信息绑定，那么通过'张三'这个用户就可以操作多张银行卡的资金账户。例如，张三在自己的账号绑定自己的银行卡同时，还绑定了李四的银行卡，那么张三在所述跨行收付服务器中登陆自己的账号后，不仅可以操作所绑定的自己银行卡的账户资金，还可以操作所绑定的李四银行卡的账户资金。 The user login information refers to logging in to the inter-bank payment server through the client 1 User login information for the user, through which the user login information can be used on the interbank payment server 2 Enter the bank card number and password of different banks, different account holders, and bind the entered bank account information with the user login information. Then, the user of 'Zhang San' can operate the fund accounts of multiple bank cards. For example, Zhang San binds his bank card to his account, and also binds Li Si’s bank card. After Zhang San logs in his account in the inter-bank payment server, he can not only operate the bound account. The account funds of your own bank card can also operate the account funds of the bundled Li Si bank card.
绑定用户登录信息与银行账户信息之后，用户通过所述客户端 1 发出包括预设的付款业务以及付款金额的付款请求至所述跨行付款服务器 2 ；所述跨行付款服务器 2 依据所述付款请求从所获取的所述多个账户资金信息中检测与所述付款金额相匹配的账户资金信息，并将所述相匹配的账户资金信息发送至所述客户端 1 ；所述客户端 1 从所述相匹配的账户资金信息中选取其中一个账户资金信息；所述跨行付款服务器 2 依据所述客户端 1 所选取的账户资金信息发送支付确认信息至与所选取的账户资金信息对应的发卡端 3 ；所述发卡端 3 依据所述支付确认信息冻结与所述银行账户信息对应的账户资金。例如：用户通过客户端 1 进入跨行付款服务器 2 ，选择个人账户即可对各家拥有账号的银行余额进行操作执行，在同一个工具内操作所有银行数据，付款者还可以对指定账户（如指定账户）付出款项，又可以在没有款项接收者的前提下预先付出一定金额的款项。例如，用户需要缴纳水电费，但是水电费是每月按时缴纳，并不是任何时刻都可以缴纳，那么用户就可以通过跨行付款服务器 2 提前预支该部分水电费，等到确定缴纳日期，收款账户，即指定账户，自动将该部分水电费发送至收款账户中。 After the user login information and the bank account information are bound, the user passes the client 1 Sending a payment request including a preset payment service and a payment amount to the interbank payment server 2; the interbank payment server 2 And detecting, according to the payment request, account fund information matching the payment amount from the obtained plurality of account fund information, and transmitting the matched account fund information to the client 1; Client 1 Selecting one of the account fund information from the matched account fund information; the interbank payment server 2 is based on the client 1 The selected account fund information sends a payment confirmation message to the card issuing end 3 corresponding to the selected account fund information; the card issuing end 3 The account funds corresponding to the bank account information are frozen according to the payment confirmation information. For example: User enters inter-bank payment server through client 1 2 , select a personal account to operate the bank balances of each account, operate all bank data in the same tool, the payer can also pay for the specified account (such as the designated account), and can also receive the recipient Under the premise of paying a certain amount of money in advance. For example, the user has to pay the utility bill, but the utility bill is paid on time every month. It can't be paid at any time, then the user can use the interbank payment server. 2 Advance the part of the utility bill in advance, and wait until the date of payment is confirmed. The receiving account, that is, the designated account, automatically sends the part of the utility bill to the receiving account.
具体的， 所述客户端 1 包括输入模块 11 、请求模块 12 、选取模块 13 、付款模块 14 ；所述输入模块 12 用于输入多个不同发卡行的多个银行账户信息，将所述银行账户信息与所述用户登录信息绑定，并将与所述用户登录信息绑定后的所述银行账户信息发送至所述跨行付款服务器 2 ；所述请求模块 12 用于发出包括付款业务以及付款金额的付款请求至所述跨行付款服务器 2 ； 所述选取模块 13 用于从相匹配的多个账户资金信息中选取其中一个账户资金信息；所述付款模块 14 依据支付确认信息冻结与所述银行账户信息对应的账户资金，并依据所述付款业务解冻所述账户资金，从而向预设的指定账户支付所述账户资金； Specifically, the client 1 includes an input module 11 , a request module 12 , a selection module 13 , and a payment module 14 . ; the input module 12 And inputting a plurality of bank account information of the plurality of different issuers, binding the bank account information with the user login information, and transmitting the bank account information bound to the user login information to the office Inter-bank payment server 2 The requesting module 12 is configured to issue a payment request including a payment service and a payment amount to the inter-bank payment server 2; the selection module 13 For selecting one of the account fund information from the matched plurality of account fund information; the payment module 14 And freezing the account funds corresponding to the bank account information according to the payment confirmation information, and thawing the account funds according to the payment service, thereby paying the account funds to the preset designated account;
所述跨行付款服务器 2 包括获取模块 21 、检测模块 22 、确认模块 23 ；所述获取模块 21 用于依据所述银行账户信息从所述多个发卡端 3 获取对应的多个账户资金信息；所述检测模块 22 用于依据所述付款请求从所获取的所述多个账户资金信息中检测与所述付款金额相匹配的多个账户资金信息，并将所述相匹配的多个账户资金信息发送至所述客户端 1 ；所述确认模块 23 用于依据所述客户端 1 所选取的账户资金信息发送支付确认信息至与所选取的账户资金信息对应的发卡端 3 ； The inter-bank payment server 2 includes an obtaining module 21, a detecting module 22, and a confirming module 23; the obtaining module 21 And configured to obtain, according to the bank account information, a plurality of corresponding account fund information from the plurality of card issuing terminals 3; the detecting module 22 And configured to detect, according to the payment request, a plurality of account fund information matching the payment amount from the acquired plurality of account fund information, and send the matched plurality of account fund information to the Client 1 The confirmation module 23 is configured to send payment confirmation information to the card issuing end 3 corresponding to the selected account fund information according to the account fund information selected by the client 1;
优选的，所述客户端 1 还包括登录模块 15 ，所述登录模块 15 用于依据所述用户登录信息登陆至所述跨行付款服务器 2 。所述预设的指定账户用于通过所述跨行付款服务器 2 提供所述付款业务以及所述付款金额；所述付款模块 14 还用于依据所冻结的账户资金向所述指定账户确认所述付款业务。 Preferably, the client 1 further includes a login module 15 , and the login module 15 And configured to log in to the inter-bank payment server 2 according to the user login information. The preset designated account is used to provide the payment service and the payment amount through the interbank payment server 2; the payment module 14 Also used to confirm the payment service to the designated account in accordance with the frozen account funds.
其中，资金冻结并非指的是在 新股申购 的时候，会将申购新股所需的资金进行冻结，经过验资后作为有效申购的证明，在几个工作日内该笔资金不可挪作其他用途，申购结束后，资金会解冻。而是至该部分资金暂时不可挪用，而等到付款业务完成后，该部分资金才可转至指定账户中。 其中，'资金冻结'可以阐释为：临时失去使用权，但拥有所有权，获益权（利益，财产证明，验资）等。 Among them, the funding freeze does not mean that the new shares are purchased. At that time, the funds required for the purchase of new shares will be frozen. After verification, as a proof of effective purchase, the funds cannot be used for other purposes within a few working days. After the purchase is completed, the funds will be thawed. However, the funds will not be misappropriated until the payment service is completed, and the funds can be transferred to the designated account. Among them, 'fund freezing' can be explained as: temporary loss of use rights, but ownership, benefit rights (interests, property certificates, capital verification).
另外，所述客户端 1 还用于依据所述用户登录信息通讯连接至所述跨行付款服务器 2 。例如，在客户端中，用户可以根据用户登录信息直接登录跨行付款服务器 2 ，而无需其他繁琐的登录信息。 In addition, the client 1 is further configured to connect to the inter-bank payment server according to the user login information. . For example, in the client, the user can directly log in to the inter-bank payment server 2 according to the user login information without any other cumbersome login information.
对于指定账户，还可以使预先设定好的，预设的指定账户登录所述跨行付款服务器 2 以提供所述付款业务以及所述付款金额。同时，所述发卡端 3 依据所述支付确认信息冻结与所述银行账户信息对应的账户资金，依据所冻结的账户资金通知所述指定账户提供所述付款业务，在解冻所述账户资金期后向预设的指定账户支付所述账户资金。 For the designated account, it is also possible to log a preset, preset designated account to the interbank payment server 2 To provide the payment service and the payment amount. At the same time, the card issuing end 3 And freezing the account funds corresponding to the bank account information according to the payment confirmation information, notifying the designated account to provide the payment service according to the frozen account funds, and paying the preset designated account after thawing the account fund period The account funds.
例如，通过预设商户、卖家等，提供商品的购买，商品应当包括该商户或卖家的支付方式、商品金额等，用户可以依据上述支付方式、商品金额发起付款请求。当发卡端 3 接收到确认支付的信息后，冻结该账户资金，冻结时，预设商户、卖家也可以看见该状态，此时，预设商户、卖家提供相应付款业务：发货或其他业务等，用户收到货或者接收到该业务后，再把该冻结的资金发至预设商户、卖家的账户中。 For example, by purchasing a merchant, a seller, etc., the purchase of the commodity, the commodity should include the payment method of the merchant or the seller, the amount of the commodity, and the like, and the user can initiate a payment request according to the payment method and the amount of the commodity. When the card is issued 3 After receiving the information confirming the payment, the account funds are frozen. When the user freezes, the preset merchants and sellers can also see the status. At this time, the preset merchants and sellers provide corresponding payment services: delivery or other services, and the user receives After the goods are received or received, the frozen funds are sent to the accounts of the preset merchants and sellers.
通常， 与所述付款业务以及付款金额相匹配的账户资金信息为所述账户资金信息中的账户资金大于或等于所述付款金额 。例如，跨行付款服务器自动筛选账户资金大于付款金额的银行卡，以供用户选择支付。这样就可以使用户通过本发明提供的跨行付款服务器很方便地查找到符合付款要求的银行卡，而无需逐一登陆不同的银行网站进行查找。 Generally, the account fund information matching the payment service and the payment amount is that the account fund in the account fund information is greater than or equal to the payment amount. . For example, an interbank payment server automatically filters bank cards whose account funds are greater than the payment amount for the user to choose to pay. In this way, the user can conveniently find the bank card that meets the payment requirement through the interbank payment server provided by the present invention, without having to log in to different bank websites one by one to search.
图 2 为本发明提供的 一种跨行付款方法 的 方法流程 图，如图 2 所示，本发明提供的 一种跨行付款方法包括以下步骤： 2 is a flow chart of a method for an interbank payment method provided by the present invention. As shown in FIG. 2, the present invention provides An interbank payment method includes the following steps:
S1 、从 所述客户端 1 中输入多个不同发卡行的多张银行卡的银行账户信息，将所述银行账户信息与所述用户登录信息绑定，并将与所述用户登录信息绑定后的所述银行账户信息发送至所述跨行付款服务器 2 ；该客户端与跨行付款服务器之间进行信息交互，发卡端 3 与跨行付款服务器 2 之间进行信息交互。 S1, from the client 1 Entering bank account information of a plurality of bank cards of a plurality of different issuers, binding the bank account information with the user login information, and transmitting the bank account information after being bound to the user login information To the interbank payment server 2; The client exchanges information with the inter-bank payment server, and the card-issuing end 3 exchanges information with the inter-bank payment server 2.
S2 、所述跨行付款服务器 2 依据所述银行账户信息从所述多个发卡端 3 获取对应的多个账户资金信息；通过银行账户信息与用户登录信息的绑定，登陆跨行付款服务器的个人账户即可对各家拥有账号的银行余额进行操作。 S2, the inter-bank payment server 2, according to the bank account information, from the plurality of card-issuing terminals 3 Obtain corresponding account information of multiple accounts; by binding the bank account information and user login information, log in to the personal account of the interbank payment server to operate the bank balances of each account.
S3 、所述客户端 1 发出包括付款业务以及付款金额的付款请求至所述跨行付款服务器 2 ；具体的，付款请求还应包括发卡行所满足的付款要求，即付款请求所涉及的业务应当在发卡行所支持的范围内，例如跨境转账，需要银行卡具备跨境支付或转账的功能。以上步骤 S1 和 S3 可并列执行。 S3, the client 1 issues a payment request including a payment service and a payment amount to the inter-bank payment server 2 Specifically, the payment request should also include the payment requirements satisfied by the issuing bank, that is, the business involved in the payment request should be within the scope supported by the issuing bank, such as cross-border transfer, which requires the bank card to have cross-border payment or transfer function. . Above steps S1 and S3 can be executed side by side.
S4 、所述跨行付款服务器 2 依据所述付款请求从所获取的所述多个账户资金信息中检测与所述付款金额相匹配的账户资金信息，并将所述相匹配的账户资金信息发送至所述客户端 1 ；与所述付款业务以及付款金额相匹配的账户资金信息为所述账户资金信息中的账户资金大于或等于所述付款金额 。例如，用户张三需要缴纳水电费，水电费是每月月初缴纳上一个月的水电费，每月缴纳的水电费以及账户余额如下表： S4, the interbank payment server 2 And detecting, according to the payment request, account fund information matching the payment amount from the acquired plurality of account fund information, and transmitting the matched account fund information to the client 1 And the account fund information matching the payment service and the payment amount is that the account fund in the account fund information is greater than or equal to the payment amount . For example, the user Zhang San is required to pay the utility bill. The utility bill is the monthly utility fee for the previous month. The monthly utility bill and account balance are as follows:
一个月水电费One month water and electricity fee 发卡行Issuer 银行卡号Bank card number 余额Balance
200元/月200 yuan / month 建设银行Construction bank XXXXXXXX 1000元1000 RMB
200元/月200 yuan / month 招商银行China Merchants Bank XXXXXXXX 2000元2000 dollars
200元/月200 yuan / month 工商银行ICBC XXXXXXXX 500元500 yuan
如果张三希望可以自动缴纳一个季度的水电费，一个季度的水电费为 200*3=600 元，那么符合要求的只要建设银行和招商银行的卡。 If Zhang San hopes to automatically pay a quarterly utility bill, the water and electricity bill for a quarter is 200*3=600. Yuan, then meet the requirements as long as the construction bank and China Merchants Bank card.
S5 、所述客户端 1 从所述相匹配的账户资金信息中选取其中一个账户资金信息；例如，张三选择建设银行的银行卡作为本次支付水电费的银行卡。 S5, the client 1 One of the account fund information is selected from the matched account fund information; for example, Zhang San selects the bank card of the construction bank as the bank card for paying the utility bill.
S6 、所述跨行付款服务器 2 依据所述客户端 1 所选取的账户资金信息发送支付确认信息至与所选取的账户资金信息对应的发卡端 3 ；例如，选择好银行卡之后，发送支付确认信息至建设银行对应的发卡端 3 。 S6, the inter-bank payment server 2 according to the client 1 The selected account fund information sends payment confirmation information to the card issuing end 3 corresponding to the selected account fund information; for example, after selecting the bank card, the payment confirmation information is sent to the card issuing end corresponding to the construction bank 3 .
S7 、所述发卡端 3 依据所述支付确认信息冻结与所述银行账户信息对应的账户资金。发卡端 3 冻结该资金后，开始执行付款业务，付款业务完成后，解冻该资金，将资金转账至指定账户。 S7. The card issuing end 3 freezes the account funds corresponding to the bank account information according to the payment confirmation information. Card issuing end 3 After the funds are frozen, the payment service is started. After the payment service is completed, the funds are released and the funds are transferred to the designated account.
图 3 为 本发明提供的 客户端绑定银行账户信息的流程图，如图 3 所示， 所述步骤 S1 包括以下子步骤： FIG. 3 is a flowchart of the client binding bank account information provided by the present invention, as shown in FIG. 3, the step S1 Includes the following substeps:
S11 、所述客户端 1 依据所述用户登录信息登录所述跨行付款服务器 2 ；用户登录信息可作为登陆跨行付款服务器 2 的登陆凭证，另外还可以加设登陆密码以登录所述跨行付款服务器 2 。通过用户登录信息与登陆密码的结合可以提高账户的安全程度。 S11, the client 1 logs in to the interbank payment server according to the user login information. The user login information can be used as the login credentials for logging in to the interbank payment server 2, and a login password can be added to log in to the interbank payment server 2 . The combination of user login information and login password can improve the security of the account.
S12 、所述客户端 1 在登录的状态下输入多个不同发卡行的多张银行卡的银行账户信息，并将所述银行账户信息与所述用户登录信息绑定；在登陆的环境下，输入多张银行卡的银行账户信息之后自动与所述用户登录信息绑定。 S12, the client 1 Entering bank account information of a plurality of bank cards of different issuers in the login state, and binding the bank account information with the user login information; in the login environment, inputting a bank with multiple bank cards The account information is automatically bound to the user login information.
S13 、将与所述用户登录信息绑定后的所述银行账户信息发送至所述跨行付款服务器 2 。 S13. Send the bank account information that is bound to the user login information to the interbank payment server 2 .
图 4 为 本发明提供的 客户端发出付款请求的流程图 ，如图 4 所示， 所述步骤 S3 包括以下子步骤： 4 is a flow chart of a payment request sent by a client provided by the present invention, as shown in FIG. 4, the step S3 Includes the following substeps:
S31 、预设的指定账户登录所述跨行付款服务器 2 以提供所述付款业务以及所述付款金额；例如，指定账户为商品卖家收款账户，商品卖家通过登陆跨行付款服务器发布自己的付款业务以及付款金额，付款业务包括商品的属性信息，卖家收款账号等。 S31. The preset designated account is logged in to the inter-bank payment server. 2 To provide the payment service and the payment amount; for example, the designated account is a commodity seller collection account, the commodity seller publishes its own payment service and the payment amount by logging in to the interbank payment server, the payment service includes the attribute information of the commodity, and the seller collects the payment. Account number, etc.
S32 、所述客户端 1 从所述跨行付款服务器 2 获取所述指定账户提供的所述付款业务以及所述付款金额；通过指定账户所提供的付款业务以及付款金额，从客户端 1 中可以查看该付款业务以及付款金额。 S32, the client 1 from the interbank payment server 2 Obtaining the payment service provided by the designated account and the payment amount; the payment service and the payment amount can be viewed from the client 1 by specifying the payment service provided by the account and the payment amount.
S33 、所述客户端 1 选择所述付款业务以及所述付款金额并将所选择的所述付款业务以及所述付款金额组成付款请求，将所述付款请求发送至所述跨行付款服务器 2 。 S33, the client 1 The payment service and the payment amount are selected and the selected payment service and the payment amount are combined into a payment request, and the payment request is sent to the inter-bank payment server 2.
图 5 为本发明提供的发卡端冻结资金的流程图，如图 5 所示，本发明提供的跨行付款方法还包括： FIG. 5 is a flowchart of the method for freezing funds at the card issuing end provided by the present invention. As shown in FIG. 5, the interbank payment method provided by the present invention further includes:
S71 、在所述步骤 S7 之后，所述发卡端 3 依据所述支付确认信息冻结与所述银行账户信息对应的账户资金；例如，发卡端 3 收到张三的支付确认信息后，则冻结该支付确认信息中的账户资金，支付确认信息为确认支付 600 元商品，则冻结账户资金中的 600 元。 S71, after the step S7, the card issuing end 3 And freezing the account funds corresponding to the bank account information according to the payment confirmation information; for example, after the card issuing end 3 receives the payment confirmation information of the Zhang San, the card funds in the payment confirmation information are frozen, and the payment confirmation information is the confirmation payment. For 600 yuan, the amount of 600 yuan in the account will be frozen.
S72 、所述发卡端 3 依据所冻结的账户资金通知所述指定账户提供所述付款业务；例如，发卡端在冻结资金之后，发送短信或者借助互联网发送一通知信息至指定账户处，该指定账户收到该通知信息后，提供该付款业务，例如，将该 600 元的商品以快递的方式送至持有该客户端 1 的用户手中。 S72, the card issuing end 3 Providing the payment service according to the frozen account fund notification; for example, after the card is frozen, sending the short message or sending a notification message to the designated account via the Internet, after the designated account receives the notification information, Provide the payment service, for example, The 600 yuan item is delivered to the user holding the client 1 by courier.
S73 、所述发卡端 3 在解冻所述账户资金期后向所述指定账户支付所述账户资金。例如，该用户在接收到该 600 元的商品后，通过客户端 1 在跨行付款服务器 2 确认收到该付款业务，那么跨行付款服务器 2 通知发卡端 3 在冻结所述账户资金期间解冻该资金，并向所述指定账户支付所述账户资金。 S73. The card issuing end 3 pays the account fund to the designated account after thawing the account fund period. For example, the user is receiving the After the $600 item is received by the client 1 on the interbank payment server 2 to confirm receipt of the payment service, then the interbank payment server 2 notifies the card issuer 3 The funds are thawed during the freezing of the account funds and the account funds are paid to the designated account.
实施本发明的有益效果在于，用户在初始设置时进入银行系统把账号与跨行付款器绑定后，后续做任何操作只需要进入跨行付款器，选择个人账户即可对各家拥有账号的银行余额进行操作执行，实现了在同一个工具内操作所有银行数据而无须登陆每个特定银行系统去逐一操作的目的。同时，付款者既可以对指定账户付出款项，又支持在没有款项接收者的前提下预先付出一定金额的款项，这样就可以使付款者在自身计划一定付款额度的前提下寻找接收此金额的收款方。 The beneficial effect of implementing the invention is that the user enters the banking system at the initial setting to bind the account with the interbank payment device, and any subsequent operation only needs to enter the interbank payment device, and the personal account can be used to balance the bank balance of each account. The operation is performed to realize the operation of all bank data in the same tool without having to log in to each specific banking system for one-by-one operation. At the same time, the payer can pay the specified account and support a certain amount of money in advance without the recipient of the payment, so that the payer can find the receipt of the amount under the premise of planning a certain payment amount. Party.
上面结合附 图对本发明的实施例进行了描述，但是本发明并不局限于上述的具体实施方式，上述的具体实施方式仅仅是示意性的，而不是限制性的，本领域的普通技术人员在本发明的启示下，在不脱离本发明宗旨和权利要求所保护的范围情况下，还可做出很多形式，这些均属于本发明的保护之内。 Attached above The embodiments of the present invention have been described, but the present invention is not limited to the specific embodiments described above, and the above-described embodiments are merely illustrative and not restrictive, and those skilled in the art in the present invention In the apocalypse, many forms may be made without departing from the spirit and scope of the invention as claimed.

Claims (10)

1 、 一种跨行付款方法，提供设置有用户登录信息的客户端（ 1 ）、跨行付款服务器（ 2 ）、以及设置于多个不同发卡行中的多个发卡端（ 3 ），其特征在于，所述跨行付款方法包括以下步骤：1 . An inter-bank payment method, providing a client (1) and an inter-bank payment server (2) provided with user login information (2) And a plurality of card issuing terminals (3) disposed in a plurality of different card issuing lines, wherein the interbank payment method comprises the following steps:
S1 、从 所述客户端（ 1 ）中输入多个不同发卡行的多个银行账户信息，将所述银行账户信息与所述用户登录信息绑定，并将与所述用户登录信息绑定后的所述银行账户信息发送至所述跨行付款服务器（ 2 ）；S1, from the client (1 Entering a plurality of bank account information of a plurality of different issuers, binding the bank account information to the user login information, and transmitting the bank account information bound to the user login information to the office Inter-bank payment server ( 2 );
S2 、所述跨行付款服务器（ 2 ）依据所述银行账户信息从所述多个发卡端（ 3 ）获取对应的多个账户资金信息；S2, the inter-bank payment server (2) is from the plurality of card-issuing terminals according to the bank account information (3) ) obtaining corresponding account information of multiple accounts;
S3 、所述客户端（ 1 ）发出包括付款业务以及付款金额的付款请求至所述跨行付款服务器（ 2 ）；S3, the client (1) issues a payment request including a payment service and a payment amount to the inter-bank payment server (2) );
S4 、所述跨行付款服务器（ 2 ）依据所述付款请求从所获取的所述多个账户资金信息中检测与所述付款金额相匹配的多个账户资金信息，并将所述相匹配的多个账户资金信息发送至所述客户端（ 1 ）；S4, the inter-bank payment server (2 Detecting, according to the payment request, a plurality of account fund information matching the payment amount from the acquired plurality of account fund information, and transmitting the matched plurality of account fund information to the client End (1 );
S5 、所述客户端（ 1 ）从所述相匹配的多个账户资金信息中选取其中一个账户资金信息；S5, the client (1) selects one of the account funds information from the matched plurality of account funds information;
S6 、所述跨行付款服务器（ 2 ）依据所述客户端（ 1 ）所选取的账户资金信息发送支付确认信息至与所选取的账户资金信息对应的发卡端（ 3 ）；S6, the inter-bank payment server (2) according to the client (1) The selected account fund information sends payment confirmation information to the card issuing end corresponding to the selected account fund information (3);
S7 、所述发卡端（ 3 ）依据所述支付确认信息冻结与所述银行账户信息对应的账户资金，并依据所述付款业务解冻所述账户资金，从而向预设的指定账户支付所述账户资金。S7, the card issuing end (3 And freezing the account funds corresponding to the bank account information according to the payment confirmation information, and thawing the account funds according to the payment service, thereby paying the account funds to a preset designated account.
2 、 根据权利要求 1 所述的 跨行付款方法 ，其特征在于，所述步骤 S1 包括以下子步骤：2. The interbank payment method according to claim 1, wherein the step S1 comprises the following substeps:
S11 、所述客户端（ 1 ）依据所述用户登录信息登录所述跨行付款服务器（ 2 ）；S11, the client (1) logs in to the interbank payment server (2) according to the user login information;
S12 、所述客户端（ 1 ）输入多个不同发卡行的多个银行账户信息，并将所述银行账户信息与所述用户登录信息绑定；S12, the client (1 Entering a plurality of bank account information of a plurality of different issuers, and binding the bank account information to the user login information;
S13 、将与所述用户登录信息绑定后的所述银行账户信息发送至所述跨行付款服务器（ 2 ）。S13. Send the bank account information that is bound to the user login information to the interbank payment server (2).
3 、根据权利要求 1 所述的 跨行付款方法 ，其特征在于，所述步骤 S3 包括以下子步骤：3. The interbank payment method according to claim 1, wherein the step S3 comprises the following substeps:
S31 、所述预设的指定账户通过所述跨行付款服务器（ 2 ）向所述客户端（ 1 ）提供所述付款业务以及所述付款金额；S31, the preset designated account is sent to the client by the inter-bank payment server (2) (1) Providing the payment service and the payment amount;
S32 、所述客户端（ 1 ）从所述跨行付款服务器（ 2 ）获取所述指定账户提供的所述付款业务以及所述付款金额；S32, the client (1) from the interbank payment server (2) Obtaining the payment service provided by the designated account and the payment amount;
S33 、所述客户端（ 1 ）选择所述付款业务以及所述付款金额并将所选择的所述付款业务以及所述付款金额组成付款请求，将所述付款请求发送至所述跨行付款服务器（ 2 ）。S33, the client (1 Selecting the payment service and the payment amount and forming the payment service and the payment amount into a payment request, and transmitting the payment request to the inter-bank payment server (2) ).
4 、根据权利要求 1 所述的 跨行付款方法 ，其特征在于，所述步骤 S4 中， 与所述付款业务以及付款金额相匹配的多个账户资金信息的账户资金均大于或等于所述付款金额 。4. The interbank payment method according to claim 1, wherein in the step S4, The account funds of the plurality of account funds information matching the payment service and the payment amount are all greater than or equal to the payment amount.
5 、 根据权利要求 3 所述的 跨行付款方法 ，其特征在于，所述步骤 S7 包括以下子步骤：The interbank payment method according to claim 3, wherein the step S7 comprises the following substeps:
S71 、所述发卡端（ 3 ）依据所述支付确认信息冻结与所述银行账户信息对应的账户资金；S71, the card issuing end (3) freezes the account funds corresponding to the bank account information according to the payment confirmation information;
S72 、所述发卡端（ 3 ）依据所冻结的账户资金向所述指定账户确认所述付款业务；S72, the card issuing end (3) confirms the payment service to the designated account according to the frozen account funds;
S73 、所述发卡端（ 3 ）依据所述付款业务解冻所述账户资金，从而向预设的指定账户支付所述账户资金。S73, the card issuing end (3 And thawing the account funds according to the payment service, thereby paying the account funds to a preset designated account.
6 、 一种跨行付款方法，提供设置有用户登录信息的客户端（ 1 ）、跨行付款服务器（ 2 ）、以及设置于多个不同发卡行中的多个发卡端（ 3 ），其特征在于，所述跨行付款方法包括以下步骤：6. An interbank payment method, providing a client (1) and an interbank payment server (2) provided with user login information (2) And a plurality of card issuing terminals (3) disposed in a plurality of different card issuing lines, wherein the interbank payment method comprises the following steps:
S1 、 所述客户端（ 1 ）发出包括付款业务以及付款金额的付款请求至所述跨行付款服务器（ 2 ）；S1, the client (1) issues a payment request including a payment service and a payment amount to the inter-bank payment server (2) );
S2 、 从 所述客户端（ 1 ）中输入多个不同发卡行的多个银行账户信息，将所述银行账户信息与所述用户登录信息绑定，并将与所述用户登录信息绑定后的所述银行账户信息发送至所述跨行付款服务器（ 2 ）；S2, from the client (1 Entering a plurality of bank account information of a plurality of different issuers, binding the bank account information to the user login information, and transmitting the bank account information bound to the user login information to the office Inter-bank payment server ( 2 );
S3 、所述跨行付款服务器（ 2 ）依据所述银行账户信息从所述多个发卡端（ 3 ）获取对应的多个账户资金信息；S3, the inter-bank payment server (2) is from the plurality of card-issuing terminals according to the bank account information (3) ) obtaining corresponding account information of multiple accounts;
S4 、所述跨行付款服务器（ 2 ）依据所述付款请求从所获取的所述多个账户资金信息中检测与所述付款金额相匹配的多个账户资金信息，并将所述相匹配的多个账户资金信息发送至所述客户端（ 1 ）；S4, the inter-bank payment server (2 Detecting, according to the payment request, a plurality of account fund information matching the payment amount from the acquired plurality of account fund information, and transmitting the matched plurality of account fund information to the client End (1 );
S5 、所述客户端（ 1 ）从所述相匹配的多个账户资金信息中选取其中一个账户资金信息；S5, the client (1) selects one of the account funds information from the matched plurality of account funds information;
S6 、所述跨行付款服务器（ 2 ）依据所述客户端（ 1 ）所选取的账户资金信息发送支付确认信息至与所选取的账户资金信息对应的发卡端（ 3 ）；S6, the inter-bank payment server (2) according to the client (1) The selected account fund information sends payment confirmation information to the card issuing end corresponding to the selected account fund information (3);
S7 、所述发卡端（ 3 ）依据所述支付确认信息冻结与所述银行账户信息对应的账户资金，并依据所述付款业务解冻所述账户资金，从而向预设的指定账户支付所述账户资金。S7, the card issuing end (3 And freezing the account funds corresponding to the bank account information according to the payment confirmation information, and thawing the account funds according to the payment service, thereby paying the account funds to a preset designated account.
7 、 一种跨行付款系统 ，其特征在于，所述 跨行付款系统包括设置有用户登录信息的客户端（ 1 ）、与所述客户端（ 1 ）通讯连接的跨行付款服务器（ 2 ）、以及设置于多个不同发卡行中的多个发卡端（ 3 ） ；所述发卡端（ 3 ）与所述跨行付款服务器（ 2 ）通讯连接；7. An interbank payment system, wherein the interbank payment system comprises a client (1) provided with user login information, and the client (1) a cross-line payment server (2) for communication connection, and a plurality of card-issuing terminals (3) disposed in a plurality of different issuers; said card-issuing terminal (3) and said inter-bank payment server (2) Communication connection;
所述客户端（ 1 ）包括输入模块（ 11 ）、请求模块（ 12 ）、选取模块（ 13 ）、付款模块（ 14 ）；The client (1) includes an input module (11), a request module (12), a selection module (13), and a payment module (14). );
所述输入模块（ 12 ）用于输入多个不同发卡行的多个银行账户信息，将所述银行账户信息与所述用户登录信息绑定，并将与所述用户登录信息绑定后的所述银行账户信息发送至所述跨行付款服务器（ 2 ）；The input module (12 a plurality of bank account information for inputting a plurality of different issuers, binding the bank account information with the user login information, and transmitting the bank account information bound to the user login information to The interbank payment server ( 2 );
所述请求模块（ 12 ）用于发出包括付款业务以及付款金额的付款请求至所述跨行付款服务器（ 2 ）；The requesting module (12) is configured to issue a payment request including a payment service and a payment amount to the inter-bank payment server (2) );
所述选取模块（ 13 ）用于从相匹配的多个账户资金信息中选取其中一个账户资金信息；The selecting module (13) is configured to select one of the account fund information from the matched plurality of account fund information;
所述付款模块（ 14 ）依据支付确认信息冻结与所述银行账户信息对应的账户资金，并依据所述付款业务解冻所述账户资金，从而向预设的指定账户支付所述账户资金；The payment module (14 And freezing the account funds corresponding to the bank account information according to the payment confirmation information, and thawing the account funds according to the payment service, thereby paying the account funds to the preset designated account;
所述跨行付款服务器（ 2 ）包括获取模块（ 21 ）、检测模块（ 22 ）、确认模块（ 23 ）；The inter-bank payment server (2) includes an acquisition module (21), a detection module (22), and a confirmation module (23). );
所述获取模块（ 21 ）用于依据所述银行账户信息从所述多个发卡端（ 3 ）获取对应的多个账户资金信息；The obtaining module (21) is configured to use the bank account information from the plurality of card issuing terminals (3) ) obtaining corresponding account information of multiple accounts;
所述检测模块（ 22 ）用于依据所述付款请求从所获取的所述多个账户资金信息中检测与所述付款金额相匹配的多个账户资金信息，并将所述相匹配的多个账户资金信息发送至所述客户端（ 1 ）；The detection module (22 </ RTI> for detecting a plurality of account funds information matching the payment amount from the acquired plurality of account funds information according to the payment request, and transmitting the matched plurality of account fund information to the Client (1 );
所述确认模块（ 23 ）用于依据所述客户端（ 1 ）所选取的账户资金信息发送支付确认信息至与所选取的账户资金信息对应的发卡端（ 3 ）；The confirmation module (23) is configured to be based on the client (1) The selected account fund information sends payment confirmation information to the card issuing end corresponding to the selected account fund information (3);
8 、根据权利要求 7 所述的跨行付款系统，其特征在于，所述客户端（ 1 ）还包括登录模块（ 15 ），所述登录模块（ 15 ）用于依据所述用户登录信息登陆至所述跨行付款服务器（ 2 ）。The interbank payment system according to claim 7, wherein the client (1) further comprises a login module (15), the login module ( 15) for logging in to the inter-bank payment server (2) according to the user login information.
9 、根据权利要求 7 所述的跨行付款系统，其特征在于，所述预设的指定账户用于通过所述跨行付款服务器（ 2 ）提供所述付款业务以及所述付款金额；9. The interbank payment system according to claim 7, wherein said preset designated account is used to pass said interbank payment server (2) Providing the payment service and the payment amount;
所述付款模块（ 14 ）还用于依据所冻结的账户资金向所述指定账户确认所述付款业务。The payment module (14) is further configured to confirm the payment service to the designated account according to the frozen account funds.
10 、根据权利要求 7 所述的跨行付款系统，其特征在于， 与所述付款业务以及付款金额相匹配的多个账户资金信息的账户资金均大于或等于所述付款金额 。10. The interbank payment system of claim 7 wherein: The account funds of the plurality of account funds information matching the payment service and the payment amount are all greater than or equal to the payment amount.
PCT/CN2014/083829 2014-08-06 2014-08-06 Interbank payment system and interbank payment method WO2016019532A1 (en)

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